First and foremost a short sale in Florida cost you absolutely no money. If you need a Short Sale in Florida we can help. We will stop foreclosure to give time to sell your home. We understand that selling your home can be a very emotional time but in many instances it make sense. If you owe more than your home is worth, can not afford your current mortgage payment or have been denied for a loan modification selling your home is far better for you in the long run than facing and losing your home to foreclosure.
We also know that for some homeowners, selling your home gives the relief needed to continue on with life and getting rid of the burden. No matter your situation if you sit down and review your income and expenses you will quickly find out if you need to sale as a short sale in Florida or continue on making payments. First and foremost you need to take a business approach to making the decision on whether or not to sell. If you can not afford your home you can not depend others to continue making your payments in many instances it is throwing good money after bad. If you need to sell your home and do not know where to turn keep reading because we are the experts in Florida Short Sale Help.
Your next question may be "What is a Short Sale?"
In a short sale your lender accepts a discount on the amount that is needed to completely pay off your mortgage. A short sale in Florida in most instances helps to avoid foreclosure sale (sheriff sale). We have been helping homeowners with Short Sales in Florida for almost 10 years and have been very successful. An example of a short sale: A homeowner is facing foreclosure and the payoff to the first mortgage company is $ 350,000 and the actual market value is $ 210,000. You get an offer (contract) for market value $ 210,000, it is submitted to the bank by one of our Florida Short Sale Specialist. We build a case for the reason it makes sense for the lender to sell the property for less than what is owed and we get your home sold. That is what we do, obviously there is additional work that we do but that is basically it in a few short sentences. You have to know that banks have a large inventory of homes that have been through foreclosure and they are holding now trying to sell. Banks have limited reserves (banks have a maximum amount that they can lend based on the money deposited in accounts) and they will go out of business if they continue taking homes back. You also have to know that they will foreclose rather than give super deep discounts. We know what it takes to complete short sales in Florida and the best part we do not charge a fee and it cost you nothing to use our services.
Our role is to assist you in negotiating with your bank and this is a long drawn out process that many think is difficult unless you do it full time like us. There are required documents that need to be completed that we have listed short sale documents. The basic documents you need are the Sales Contract and HUD1 Settlement Statement. There are additional document required that we list on the tab to the left short sale documents.
There are many reasons a short sales that do not make it because of agents that are not familiar with the system and what is required. We begin collecting documents on day one and continue to follow up until we have a complete package.
There are new government short sale programs that are available that can pay up to $ 3,000.00 to homeowners for moving expenses. Contact us today to find out more about the program and get started.
